Declaring a claim on renewal of car insurance

Juliejelly8

My car was empty of people and parked in a public car park and someone hit it. I was out of the country and my daughter was using it. The person very kindly reported it to their insurance company, who contacted me to advise that they would repair any damage and give me a courtesy car whilst mine is away, at no cost to myself. However, I have been told that I must declare this as a no fault claim on my next renewal, otherwise my insurance will be invalid should I need to claim in future. My issue is: which of us should take the hit? The car is mine and my daughter borrows it occasionally. She has less NCD than me and pays over the odds as a consequence, however it seems unfair to both of us that one of us will have to pay increased premiums for this incident. I would appreciate any advice or knowledge on the matter, many thanks. 

cw8825

IF it was your policy, you must declare it
If you both have a policy on the car, you should both declare it at renewal as an incident

Technically speaking, you should both declare it as it is should be used to set the correct price, - your daughters insurance should be aware shes driving your car, and your insurance should be aware that somebody else is also going to use the car

sheramber

Is your daughter a named driver on your insurance or was she driving on her own policy covering driving  other cars?

DullGreyGuy

Juliejelly8 said:

My car was empty of people and parked in a public car park and someone hit it. I was out of the country and my daughter was using it. The person very kindly reported it to their insurance company, who contacted me to advise that they would repair any damage and give me a courtesy car whilst mine is away, at no cost to myself. However, I have been told that I must declare this as a no fault claim on my next renewal, otherwise my insurance will be invalid should I need to claim in future. My issue is: which of us should take the hit? The car is mine and my daughter borrows it occasionally. She has less NCD than me and pays over the odds as a consequence, however it seems unfair to both of us that one of us will have to pay increased premiums for this incident. I would appreciate any advice or knowledge on the matter, many thanks. 

Insurers vary between applying it to the policyholder or applying it to the last driver of the vehicle (and falling back on the policyholder if that person wasnt insured under this policy - eg driving under a DoC of another policy). 

NCD won't be impacted